The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$17,720
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,271
−HK$560/mo
Today · 4.125%
HK$18,831
baseline
▲ 0.50% · 4.625%
HK$19,977
+HK$1,146/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,662/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,713
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,242
−HK$536/mo
Today · 4.125%
HK$20,778
baseline
▲ 0.50% · 4.625%
HK$21,874
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,556/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,264
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,925
−HK$672/mo
Today · 4.125%
HK$22,597
baseline
▲ 0.50% · 4.625%
HK$23,972
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,194/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,656
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,290
−HK$644/mo
Today · 4.125%
HK$24,934
baseline
▲ 0.50% · 4.625%
HK$26,248
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,868/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,808
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,580
−HK$784/mo
Today · 4.125%
HK$26,364
baseline
▲ 0.50% · 4.625%
HK$27,968
+HK$1,604/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,728/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,598
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,339
−HK$751/mo
Today · 4.125%
HK$29,090
baseline
▲ 0.50% · 4.625%
HK$30,623
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,180/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,896
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,888
−HK$1,008/mo
Today · 4.125%
HK$33,896
baseline
▲ 0.50% · 4.625%
HK$35,958
+HK$2,062/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,792/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,484
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,435
−HK$966/mo
Today · 4.125%
HK$37,401
baseline
▲ 0.50% · 4.625%
HK$39,372
+HK$1,971/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,802/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,131 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).